By entering this Sweepstakes, each Entrant agrees to be bound by these Official Rules and by the decisions of the Sponsor and its judges and agents, which are final and binding in all matters relating to the Sweepstakes. Spot performed better in coverage and eligibility, while ManyPets performed better when it came to costs. With pet insurance, you pay your vet bill as you normally would, and then you submit your claim to get reimbursed for eligible expenses, based on the parameters of your coverage. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click hereSweepstakes Official Rules. There are nearly 4 million cats and dogs insured in . For a comprehensive list of policy exclusions and limitations, click here to view a sample policy. Phone support is available Monday - Friday, 24h CST. What was once an obscure insurance product has been gaining steam. There's also the possibility of you conveniently canceling through email at pet_info@metlife.com, so long as the policy you have makes that an option. They offer deductibles of $100, $200, and $500, and their reimbursement rate is 90%, making them come out on top over Spot in this department. However, if you decide to cancel your coverage, you may not be able to re-insure your pet at a later date. RELEASE OF LIABILITY. Sponsor is not responsible for any typographical or other error in the printing of these Official Rules or any materials associated with the administration of the Sweepstakes or the announcement of the prize. Winner will be chosen randomly.Submitting an entry constitutes agreeing to the terms of these Official Rules and all decisions of Sponsor and/or its designee, which are final and binding in all respects. Join 2,438,795+ insured dogs and cats across the US. After comparing 16 leading pet insurance providers, ManyPets received a 4.9 out of 5, while Spot received a 4.7 out of 5. Depending on the exact type of information they need, there . However, you can't simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. Clicking the Free Quote button will be deemed to signify your consent to and acceptance of the terms and conditions including the compensation, as disclosed above, that is to be received by the underwriter. YOU EXPRESSLY AGREE THAT YOUR PURCHASE AND/OR USE OF THE OFFERINGS, AND ANY INFORMATION, CONTENT, PRODUCTS, SERVICES AND MATERIALS CONTAINED IN, ACCESSED VIA, OR DESCRIBED IN THE OFFERINGS, IS AT YOUR OWN RISK, AND THAT ALL SUCH INFORMATION, CONTENT, PRODUCTS, SERVICES AND MATERIALS ARE PROVIDED ON AN AS IS AND AS AVAILABLE BASIS. Your coverage limit for an Accident-Only policy can be $3,000, $4,000, $5,000, $7,000 or $10,000 per year. Whenever you have a pet insurance question or need to review your options, please email us or call us at 1-855-898-8991. A purchase or quote for a pet insurance product from Spot Pet Insurance 303 Banyan Blvd, Suite 101 West Palm Beach, FL 33401 (Sponsor) or any of its affiliated companies will not improve the chance of winning. Additionally, your premium will be affected by your pets age each year, as the risk for more costly claims grows higher. Although SPOT may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards, and the like on the Site, SPOT is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within such locations on the Site. There is a 14-day waiting period for coverage. Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01/01/2022 through 12/31/2022 and all available limit . What Medical Records are Needed From My Veterinarian? Except where prohibited by law, all issues and questions concerning the constitution, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the participant and the Sponsor in connection with this Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Ohio in the U.S., without giving effect to any choice of law or conflict of law rules (whether of the State of Ohio, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Ohio in the U.S.10. Their pet insurance policies are underwritten by United States Fire Insurance Company. Products, schedules, discounts, and rates may vary and are subject to change. By submitting an entry or accepting a prize, where permitted by law, each winner grants to Sponsor (and agrees to confirm that grant in writing) and those acting pursuant to the authority of Sponsor the irrevocable right without any further notice, review or consent to print, publish, broadcast, distribute, and use, worldwide in any media now known or hereafter developed, including, but not limited to, the World Wide Web, in perpetuity and throughout the universe, his/her Entry, including, without limitation, the entry and winners name, portrait, picture, voice, likeness, image or statements about the Contest, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation. To cancel your pet policy, contact Petplan at 1.844. Lemonade has the cheapest. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances! It offers best-in-class 100% reimbursement for covered expenses with . Compensation will be paid to the producer, based on the insurance contract the producer sells. The effect on your family budget and pet care. This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today. While your cat or dog might be perfectly healthy at the moment, unexpected veterinary expenses can arise at any time. Does Animal Friends insurance Auto Renew. Find more information on preventative care coverage here. To cancel your pet insurance, you will need to contact your insurance company and request to cancel your policy. How Much Does Spot Pet Insurance Cost? If you need to update your billing information, you can make changes by clicking on the Billing icon. IN NO EVENT SHALL SPOT, OR THE DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR REPRESENTATIVES OF SPOT (THE SPOT PARTIES) BE LIABLE TO YOU OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND ARISING OUT OF THE USE OF, ACCESS TO, RELIANCE ON, INABILITY TO USE OR IMPROPER USE OF THE OFFERINGS OR ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES AVAILABLE THEREON (INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, GOODWILL OR REVENUE, BUSINESS INTERRUPTION, OR LOSS OF DATA), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE. Pre-existing conditions are not covered. You're on the Spot US website. Call: (844) 696-1407. Any communication or material you transmit to SPOT, or post to the Site, by electronic mail or otherwise, including any data, questions, comments, suggestions, stories, homepages, or the like is, and will be treated as, non-confidential and non-proprietary. Preventive Care reimbursements are based on a schedule. Consumer Rating is a Fetch by The Dodo Partner. Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. (NPN # 19246385) 2023 United States Fire Insurance Company. Most pet insurance companies offer a multi-pet discount when you enroll multiple pets. In general, you can receive a: Full refund. A few companies offer additional coverage for routine vaccinations and other routine care such as dental cleanings for an added fee. NO PURCHASE NECESSARY. If you decide to cancel your policy, everything your four-legged friend has been treated for while they were insured will be considered a pre-existing condition by other insurers. Twitter specialist. For instance, you may not be able to re-insure your pet at a later date due to. Yes, plans provided by Spot have a 14 day waiting period for coverage. SPOT shall in no way be held liable for any consequence which results from SPOTs decision to modify or discontinue providing some or all of the Offerings. Your email address will not be published. Pawlicy Advisor conducts business as Pawlicy Insurance Services Inc. in the state of California. In addition to offering five deductibles and three reimbursement percentages, Spot provides six annual limit options of $2,500, $4,000, $5,000, $7,000, $10,000, and unlimited. Base level plans provided by Spot do not cover spaying. Via PetInsurer.com's Secure Website Maximum annual coverage $5,000, $8,000, $10,000, $15,000 or $30,000 Reimbursement choices 70%, 80%, 90% Deductible choices $200, $300, $500, $750, $1,000 2. SPOT makes no representation or warranty regarding the Third-Party Services. NOTICE TO OHIO APPLICANTS:Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Your pets age. Is it possible to cancel my pet insurance policy at any time? How do I Determine if My Pet Has a Pre-existing Condition? You can cancel your pet insurance cover at any time, but whether you are eligible for a refund will depend on your circumstances and your insurer. Deductibles: $100, $250 or $500. Penalties may include imprisonment, fines or a denial of insurance benefits. Underwriter: United States Fire Insurance Company AM Best Rating: A BBB Rating: B Exam period: SPOT doesn't obligate you to take a thorough physical exam for your pet in order to grant you the right to become eligible for enrolling on one of their pet insurance plans; Increase in monthly premium: Just like every other pet insurance company, SPOT's premiums increase . What Do Pet Insurance Plans Provided by Spot Cover? The best thing you can do is ensure that you research pet insurance companies very closely before enrolling in pet insurance. Penalties include imprisonment and/or fines. If you are thinking about canceling your policy because your pet seems perfectly healthy and hasnt had any major medical issues, keep in mind that health conditions can happen at any time. For questions, please email us at. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible. SPOT makes no representation or warranty regarding the Third-Party Services. Penalties include imprisonment, fines and denial of insurance benefits. PLEASE BE AWARE THAT INTERNET DATA TRANSMISSION IS NOT ALWAYS SECURE AND WE CANNOT WARRANT THAT INFORMATION YOU TRANSMIT UTILIZING THE OFFERINGS IS SECURE. They do not purport to, and shall not be deemed to, define, limit or extend the scope or intent of the clauses to which they pertain.5.5 Survival of Certain Provisions. All other trademarks not owned by SPOT that appear on the Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by SPOT. No refund. 1 (866) 651-7768. (NPN # 19246385) 2023 United States Fire Insurance Company. You dont have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. Once you have a pet insurance policy, your dog or cat will be covered for life. When you buy pet insurance, there's a 14-day cooling off period. Pet Wellness. Claims can be submitted easily through our login page. Instead of canceling your pet insurance policy, consider the following alternatives that help you maintain the coverage your cat or dog needs: Change the level of coverage. The section headings appearing in these Terms have been inserted for the purpose of convenience and ready reference. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. 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